Worldline (0QVI) fair value: what the stock is really worth
As of Jul 30, 2026: fair value of Worldline €9.44, price €10.47, upside -9.9%, quality 38 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range €9.69 – €876.65 · fair‑value band €7.84 – €9.72 · the €10.47 price screens above the €9.44 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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Worldline SA, together with its subsidiaries, provides payment and transaction services in Europe and internationally. The company operates in two segments, Merchant Services and Financial Services.
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Worldline SA, together with its subsidiaries, provides payment and transaction services in Europe and internationally. The company operates in two segments, Merchant Services and Financial Services. It offers merchant solutions, including in-store, online, omnichannel, cross-border payments, and payments for platforms; and merchant products, such as in-store and online payment gateways, merchant acquiring, tap on mobile, scan and pay, payment terminals, and account-to-account payments. The company also provides financial institutions solutions comprising issuing, acquiring, account payments, open and digital banking, ATM management, authentication and security, and digital currency. It serves retail and marketplaces, digital goods and services, self-service, petrol and energy, financial institutions, travel and hospitality, mobility, public sector, and manufacturing industries. The company was formerly known as Atos Worldline SAS and changed its name to Worldline SA in April 2014. Worldline SA was founded in 1973 and is headquartered in Puteaux, France.
Stock analysis
Worldline (0QVI) currently trades at €10.47, while our model-based Fair Value estimate is €9.44, so the stock looks roughly fairly valued today (gap 10.9%).
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Valuation
Bull case: the DCF Models group reads highest at a median of €9.24 per share, and 3 of the 20 models we run sit above the €10.47 price.
Bear case: the Multiples group reads lowest at €2.37, and 17 of the 20 models stay below the price. Evidence for this calculation is low.
Scenario range: €7.84 (bear) to €9.72 (bull), the price of €10.47 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 38/100 (below-average quality), in the Industrials sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Worldline reported revenue of €2.7B in FY2020 versus €1.3B in FY2016, a compound +20.4%/yr. Reported net income was €164M in FY2020, compounding +3.3%/yr from FY2016.
Key figures
Market cap €12.3B · P/S ratio 3.05 · Net margin 6.0% · Return on equity −77.9% · Return on assets (EBIT) 5.3% · Operating margin 2.6% · Revenue (TTM) €4.0B · Revenue growth (YoY) −3.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 52 out of 100 (low confidence).
What moves the price
The share trades about 70% below its 52-week high and 8% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Industrials peers we cover trades at −40% fair-value upside, at −10%, 0QVI screens cheaper than that median.
Fair Value models
Bear €7.84Fair Value €9.44Bull €9.72
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.82/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+15.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+21.0%
’16
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Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
16.0% (2016) → 8.8% (2020)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: no share-count history
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its sector: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median. (Industry “Payment Processing Services” was too small, so the broader sector is used.)Industrials · 5266 stocks
Beats the sector median on 1/9 measures
Overall it trails its sector peers.
Valuation
Quality Score38 · Bottom 25%
Fair Value upside−9.9% · Above median
Profitability
Return on assets0.4% · Bottom 25%
Net margin (TTM)−128.0% · Bottom 25%
Operating margin (TTM)2.6% · Below median
Growth and dividend
Revenue growth−3.7% · Below median
Balance sheet
Debt / equity0.37× · Above median
Valuation Multiplesvs Industrials median · lower = cheaper
P/B1.46× · book value is mostly goodwill ⓘGoodwill and other intangible assets are larger than the equity. The book value mainly reflects prices paid for past acquisitions, so we do not rank this P/B against the peer group.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Worldline Fair Value". https://www.fairvalue-calculator.com/stock/0QVI
Frequently asked questions
Is Worldline (0QVI) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of €9.44 versus the last price from Jul 30, 2026 of €10.47, about −10% upside (fairly valued).
What is the fair value of 0QVI?
Our model-based fair value for Worldline is €9.44 (as of Sep 23, 2026), built from audited fundamentals. Last price (from Jul 30, 2026): €10.47.
What is the quality score of 0QVI?
Worldline has a Quality Score of 38/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Worldline (0QVI)?
Our model-based price target is the fair value of €9.44 (as of Sep 23, 2026) from 21 valuation models. Cautious scenario €7.84, optimistic scenario €9.72. It is a calculation from audited fundamentals, not an analyst target.
What is the Worldline stock forecast for 2026?
Our models put fair value at €9.44, about −10% upside versus the last price from Jul 30, 2026 of €10.47 (fairly valued). Cautious scenario €7.84, optimistic scenario €9.72. The calculation is refreshed regularly with new filings.
What is the revenue of Worldline (0QVI)?
Worldline reported trailing-twelve-month revenue of about €4.0B (latest available figure, as of Sep 23, 2026).
What is the intrinsic value of Worldline (0QVI)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Worldline it is €9.44 per share (as of Sep 23, 2026), against a price of €10.47. It is the blended result of 21 valuation models (cash flow, earnings, asset, dividend).
Is Worldline stock overvalued or undervalued in 2026?
As of Sep 23, 2026, 0QVI trades above its calculated fair value: price €10.47, fair value €9.44, a gap of about −10% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 0QVI?
No. The price is what the market pays today (€10.47); the fair value is what the company's own numbers justify (€9.44). For Worldline the two are €1.03 per share apart. That gap is exactly why we show both numbers side by side.
How much is Worldline worth?
The market values Worldline at about €12.3B (market capitalisation, as of Sep 23, 2026). Per share that is €10.47; our models calculate a fair value of €9.44 per share.
What do the bullish and bearish scenarios say about 0QVI?
Our models span a range for Worldline: cautious scenario €7.84, base €9.44, optimistic €9.72 per share (as of Sep 23, 2026, price €10.47). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Worldline (0QVI)?
Balance-sheet figures for Worldline (as of Sep 23, 2026): return on equity −77.9%, debt of 0.37 per unit of equity. They feed the Quality Score of 38/100, which measures business quality independently of the share price.
How far is 0QVI from its 52-week high?
Worldline trades at €10.47, about 70% below its 52-week high of €34.67 and 8% above the low of €9.69 (as of Jul 30, 2026). Distance from the high says nothing about value: that is what the fair value of €9.44 is for.
Which stocks are comparable to Worldline?
From the same area (Industrials) we also value Contemporary Amperex Technology Co, Delta Electronics (Thailand) Public Company, Larsen & Toubro Limited, Samsung C&T Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Worldline stock attractive at the current price?
The data as of Sep 23, 2026: price €10.47, calculated fair value €9.44 (−10%), Quality Score 38/100, from 21 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 0QVI calculated?
We run Worldline through 21 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of €9.44, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Worldline itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Worldline (0QVI)?
The latest price we hold is from Jul 30, 2026 and stands at €10.47. Our model-based fair value is €9.44, about −10% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Worldline right now?
The price sits above even our optimistic bull case (€9.72). The favourable scenario is already priced in. The price sits close to our fair value, market and models broadly agree here, little valuation tension. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.
Key figures of Worldline
How large is the market capitalisation of Worldline (0QVI)?
The market capitalisation of Worldline is €12.3B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Worldline (0QVI)?
The price-to-sales ratio of Worldline is 3.05 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the net margin of Worldline (0QVI)?
The net margin of Worldline is 6.0% (fiscal year 2020). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Worldline (0QVI)?
The return on equity (ROE) of Worldline is −77.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Worldline (0QVI)?
On an EBIT basis the return on assets of Worldline is 5.3% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Worldline (0QVI)?
The operating margin of Worldline is 2.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Worldline (0QVI)?
Revenue at Worldline is growing −3.7% versus a year earlier (3y avg +21.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
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